BCH vs. ITUB: Banco de Chile vs. Itaú Unibanco Stock Comparison

Company Profile

Banco de Chile (BCH) and Itaú Unibanco (ITUB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco de Chile (BCH) and Itaú Unibanco (ITUB) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Itaú Unibanco (ITUB) is heavily traded at around 31.15M shares per day, whereas Banco de Chile (BCH) sees a more moderate 324.97K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Banco de Chile (BCH) at 21.08% and Itaú Unibanco (ITUB) at 20.96% turn shareholders’ equity into profit at rates above their industry benchmark ranges for ROE. That is a strong capital-efficiency signal, though leverage and the equity base still matter.

Banco de Chile (BCH) at 45.15% retains a top-quartile share of revenue as profit, ahead of Itaú Unibanco (ITUB) at 32.46%, which keeps about the industry-typical share.

Neither side reports a meaningful operating margin: for Banco de Chile (BCH) in Banks and Itaú Unibanco (ITUB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Banco de Chile (BCH) at -1.56% and Itaú Unibanco (ITUB) at 4.21% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Itaú Unibanco (ITUB) at 9.21% is around its peer norm for EPS growth, while Banco de Chile (BCH) at -1.84% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco de Chile (BCH) in Banks and Itaú Unibanco (ITUB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Banco de Chile (BCH) in Banks and Itaú Unibanco (ITUB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Banco de Chile (BCH) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Itaú Unibanco (ITUB) reports a yield of 40.54%, ranking against industry peers normally.

Both pay out more than their industries’ typical bands, and BCH more so: Itaú Unibanco (ITUB) at 70.75% sits above the band, while Banco de Chile (BCH) at 85.54% exceeds every peer in its group.

Dividend Metrics

Valuation

Itaú Unibanco (ITUB) at 9.12 sits in the cheaper P/E ratio quartile, while Banco de Chile (BCH) at 14.81 sits in the richer quartile — a clear split in what investors pay for each dollar of trailing earnings.

P/S ratio is set aside for both Banco de Chile (BCH) in Banks and Itaú Unibanco (ITUB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Banco de Chile (BCH) at 0.69 looks cheap against book in the lower P/B ratio quartile, while Itaú Unibanco (ITUB) at 1.79 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics